What are the current interest rates at Bay Federal Credit Union?

Current rates for Bay Federal Credit Union include: 12-Month CD: 3.30%, 18-Month CD: 3.35%, 24-Month CD: 3.41%, 60-Month CD: 3.82%, Savings: 3.04%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Bay Federal Credit Union

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Bay Federal Credit Union Rates & Review October 2026

Q: How many branches does Bay Federal Credit Union operate?

Bay Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Bay Federal Credit Union?

Yes, to access services at Bay Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bay Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Bay Federal Credit Union's top rates as of October 9, 2026 are 3.92% APY on its 5-Year CD, 3.04% APY on savings, 0.05% APY on checking, personal loans from 7.49% APR, and credit cards from 19.99% APR, according to rates verified by MonitorBankRates. Other Bay Federal Credit Union CD rates include Business 5-Year CD at 3.92%, 5-Year CD at 3.82%, and Business 5-Year CD at 3.82%. MonitorBankRates evaluates the financial stability of Bay Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.88%. Rates last updated and verified on 10/09/2026.

Bay Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bay Federal Credit Union? Share your experience about Bay Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Bay Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.88%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Bay Federal Credit Union
Corporate Office

3333 Clares St
Capitola, CA 95010-2546

https://www.bayfed.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Bay Federal Credit Union CD Rates

Product	Rate	APY	Term
5-Year Certificate	3.85%	3.92%	5-Year
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.92% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
5-Year Certificate	3.75%	3.82%	5-Year
Min Balance $1,000 Details Balance: $1,000 - 99,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.82% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
4-Year Certificate	3.60%	3.67%	4-Year
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.67% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
3-Year Certificate	3.50%	3.56%	3-Year
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.56% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
4-Year Certificate	3.50%	3.56%	4-Year
Min Balance $1,000 Details Balance: $1,000 - 99,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.56% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
2-Year Certificate	3.45%	3.51%	2-Year
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
18-Month Certificate	3.40%	3.46%	18-Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.46% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
3-Year Certificate	3.40%	3.46%	3-Year
Min Balance $1,000 Details Balance: $1,000 - 99,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.46% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
1-Year Certificate	3.35%	3.41%	1-Year
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.41% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
2-Year Certificate	3.35%	3.41%	2-Year
Min Balance $1,000 Details Balance: $1,000 - 99,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.41% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
18-Month Certificate	3.30%	3.35%	18-Month
Min Balance $1,000 Details Balance: $1,000 - 99,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
1-Year Certificate	3.25%	3.30%	1-Year
Min Balance $1,000 Details Balance: $1,000 - 99,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
6-Month Certificate	3.10%	3.15%	6-Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
6-Month Certificate	3.00%	3.05%	6-Month
Min Balance $1,000 Details Balance: $1,000 - 99,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
3-Month Certificate	2.85%	2.89%	3-Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.89% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
3-Month Certificate	2.75%	2.79%	3-Month
Min Balance $1,000 Details Balance: $1,000 - 99,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.79% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Bay Federal Credit Union Business CD Rates

Product	Rate	APY	Term
Business 5-Year Certificate	3.85%	3.92%	5-Year
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.92% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Business 5-Year Certificate	3.75%	3.82%	5-Year
Min Balance $1,000 Details Balance: $1,000 - 99,999 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.82% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Business 4-Year Certificate	3.60%	3.67%	4-Year
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.67% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Business 3-Year Certificate	3.50%	3.56%	3-Year
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Business 4-Year Certificate	3.50%	3.56%	4-Year
Min Balance $1,000 Details Balance: $1,000 - 99,999 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Business 2-Year Certificate	3.45%	3.51%	2-Year
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Business 18-Month Certificate	3.40%	3.46%	18-Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.46% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Business 3-Year Certificate	3.40%	3.46%	3-Year
Min Balance $1,000 Details Balance: $1,000 - 99,999 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.46% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Business 1-Year Certificate	3.35%	3.41%	1-Year
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.41% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Business 2-Year Certificate	3.35%	3.41%	2-Year
Min Balance $1,000 Details Balance: $1,000 - 99,999 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.41% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Business 18-Month Certificate	3.30%	3.35%	18-Month
Min Balance $1,000 Details Balance: $1,000 - 99,999 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Business 1-Year Certificate	3.25%	3.30%	1-Year
Min Balance $1,000 Details Balance: $1,000 - 99,999 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Business 6-Month Certificate	3.10%	3.15%	6-Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Business 6-Month Certificate	3.00%	3.05%	6-Month
Min Balance $1,000 Details Balance: $1,000 - 99,999 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Business 3-Month Certificate	2.85%	2.89%	3-Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 2.89% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Business 3-Month Certificate	2.75%	2.79%	3-Month
Min Balance $1,000 Details Balance: $1,000 - 99,999 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 2.79% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Bay Federal Credit Union Savings Rates

Product	Rate	APY
Money Market Savings	3.00%	3.04%
Min Balance $5 Details Balance: $5 - $2,500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	3.00%	3.04%
Min Balance $2,500 Details Published APY range: 3.04% - 1.51%; Published rate range: 3.00% - 1.50%. Balance: $2,500+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Titanium Savings Accounts	2.00%	2.02%
Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	-	1.89%
Min Deposit $5 Min Balance $10,000 Details Required minimum balance: $5 to open the account, $5 daily balance to earn dividends. A $2,500 balance earns a blended rate of 3.04% APY. A $10,000 balance earns a blended rate of 1.89% APY. A $25,000 balance earns a blended rate of 1.66% APY. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 1.89% → 1.89% ▼ 0.00 pts · high 1.89% / low 1.66% Sep 25, 20261.89%▲ from 1.66% Sep 18, 20261.66%▼ from 1.89% Sep 14, 20261.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Titanium Savings Accounts	1.75%	1.77%
Min Balance $25,000 Details Balance: $25,000 - 49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.77% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	-	1.66%
Min Deposit $5 Min Balance $25,000 Details Required minimum balance: $5 to open the account, $5 daily balance to earn dividends. A $2,500 balance earns a blended rate of 3.04% APY. A $10,000 balance earns a blended rate of 1.89% APY. A $25,000 balance earns a blended rate of 1.66% APY. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.66% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Titanium Savings Accounts	0.75%	0.75%
Min Balance $100 Details Balance: $100 - 24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Savings Accounts	0.10%	0.10%
Min Balance $100 Details Balance: $100+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Bay Federal Credit Union Business Savings Rates

Product	Rate	APY
Business Money Market Savings	3.00%	3.04%
Min Balance $5 Details Balance: $5 - 2,500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Business Money Market Savings	3.00%	3.04%
Min Balance $2,500 Details Published APY range: 3.04% - 1.51%; Published rate range: 3.00% - 1.50%. Balance: $2,500+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Business Titanium Savings Accounts	2.00%	2.02%
Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Business Money Market Savings	-	1.89%
Min Deposit $5 Min Balance $10,000 Details Required minimum balance: $5 to open the account, $5 daily balance to earn dividends. A $2,500 balance earns a blended rate of 3.04% APY. A $10,000 balance earns a blended rate of 1.89% APY. A $25,000 balance earns a blended rate of 1.66% APY. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 1.89% → 1.89% ▼ 0.00 pts · high 1.89% / low 1.66% Sep 21, 20261.89%▲ from 1.66% Sep 18, 20261.66%▼ from 1.89% Sep 14, 20261.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Business Titanium Savings Accounts	1.75%	1.77%
Min Balance $25,000 Details Balance: $25,000 - 50,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.77% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Business Money Market Savings	-	1.66%
Min Deposit $5 Min Balance $25,000 Details Required minimum balance: $5 to open the account, $5 daily balance to earn dividends. A $2,500 balance earns a blended rate of 3.04% APY. A $10,000 balance earns a blended rate of 1.89% APY. A $25,000 balance earns a blended rate of 1.66% APY. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.66% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Business Titanium Savings Accounts	0.75%	0.75%
Min Balance $100 Details Balance: $100 - 25,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Business Savings Accounts	0.10%	0.10%
Min Balance $100 Details Balance: $100+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Bay Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Savings	3.00%	3.04%
Min Balance $5 Details Balance: $5 - $2,500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	3.00%	3.04%
Min Balance $2,500 Details Published APY range: 3.04% - 1.51%; Published rate range: 3.00% - 1.50%. Balance: $2,500+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	-	1.89%
Min Deposit $5 Min Balance $10,000 Details Required minimum balance: $5 to open the account, $5 daily balance to earn dividends. A $2,500 balance earns a blended rate of 3.04% APY. A $10,000 balance earns a blended rate of 1.89% APY. A $25,000 balance earns a blended rate of 1.66% APY. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 1.89% → 1.89% ▼ 0.00 pts · high 1.89% / low 1.66% Sep 25, 20261.89%▲ from 1.66% Sep 18, 20261.66%▼ from 1.89% Sep 14, 20261.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	-	1.66%
Min Deposit $5 Min Balance $25,000 Details Required minimum balance: $5 to open the account, $5 daily balance to earn dividends. A $2,500 balance earns a blended rate of 3.04% APY. A $10,000 balance earns a blended rate of 1.89% APY. A $25,000 balance earns a blended rate of 1.66% APY. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.66% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Bay Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Savings	3.00%	3.04%
Min Balance $5 Details Balance: $5 - 2,500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Business Money Market Savings	3.00%	3.04%
Min Balance $2,500 Details Published APY range: 3.04% - 1.51%; Published rate range: 3.00% - 1.50%. Balance: $2,500+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Business Money Market Savings	-	1.89%
Min Deposit $5 Min Balance $10,000 Details Required minimum balance: $5 to open the account, $5 daily balance to earn dividends. A $2,500 balance earns a blended rate of 3.04% APY. A $10,000 balance earns a blended rate of 1.89% APY. A $25,000 balance earns a blended rate of 1.66% APY. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 1.89% → 1.89% ▼ 0.00 pts · high 1.89% / low 1.66% Sep 21, 20261.89%▲ from 1.66% Sep 18, 20261.66%▼ from 1.89% Sep 14, 20261.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Business Money Market Savings	-	1.66%
Min Deposit $5 Min Balance $25,000 Details Required minimum balance: $5 to open the account, $5 daily balance to earn dividends. A $2,500 balance earns a blended rate of 3.04% APY. A $10,000 balance earns a blended rate of 1.89% APY. A $25,000 balance earns a blended rate of 1.66% APY. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.66% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Bay Federal Credit Union Checking Rates

Product	Rate	APY
BayBusiness Plus Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Horizon Checking	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Bay Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Autos	-	-	5.24%
Details All loan rates will be personalized for YOU based on your credit score and debt to income ratio and additional discounts may be available. Visit our rates page for full details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Autos - Up to 48 months	-	-	5.24%	Up to 48 months
Details Credit Score: 750+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Autos - 66 months	-	-	5.49%	66 months
Details Credit Score: 750+ Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 5.49% ▼ 0.50 pts · high 5.99% / low 5.49% Oct 9, 20265.49%▼ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Autos - Up to 48 months	-	-	5.74%	Up to 48 months
Details Credit Score: 700-749 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.24% → 5.74% ▲ 0.50 pts · high 5.74% / low 5.24% Oct 9, 20265.74%▲ from 5.24% Sep 14, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Autos - 66 months	-	-	5.99%	66 months
Details Credit Score: 700-749 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Autos - 72 months	-	-	5.99%	72 months
Details Credit Score: 750+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Autos - 84 months	-	-	6.24%	84 months
Details Credit Score: 750+ Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 6.24% ▼ 0.50 pts · high 6.74% / low 6.24% Oct 9, 20266.24%▼ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Autos - 72 months	-	-	6.49%	72 months
Details Credit Score: 700-749 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Autos - Up to 48 months	-	-	6.49%	Up to 48 months
Details Credit Score: 650-699 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Autos - 66 months	-	-	6.74%	66 months
Details Credit Score: 650-699 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Autos - 84 months	-	-	6.74%	84 months
Details Credit Score: 700-749 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Autos - 72 months	-	-	7.24%	72 months
Details Credit Score: 650-699 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 7.24% ▲ 0.75 pts · high 7.24% / low 6.49% Oct 9, 20267.24%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Autos - 84 months	-	-	7.49%	84 months
Details Credit Score: 650-699 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 7.49% ▲ 0.75 pts · high 7.49% / low 6.74% Oct 9, 20267.49%▲ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Autos - Up to 48 months	-	-	7.99%	Up to 48 months
Details Credit Score: 610-649 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 7.99% ▲ 1.50 pts · high 7.99% / low 6.49% Oct 9, 20267.99%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Autos - 66 months	-	-	8.24%	66 months
Details Credit Score: 610-649 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 8.24% ▲ 1.50 pts · high 8.24% / low 6.74% Oct 9, 20268.24%▲ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Autos - 72 months	-	-	8.74%	72 months
Details Credit Score: 610-649 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 8.74% ▲ 2.25 pts · high 8.74% / low 6.49% Oct 9, 20268.74%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Autos - 84 months	-	-	8.99%	84 months
Details Credit Score: 610-649 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 8.99% ▲ 2.25 pts · high 8.99% / low 6.74% Oct 9, 20268.99%▲ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Autos - Up to 48 months	-	-	9.49%	Up to 48 months
Details Credit Score: <610 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 9.49% ▲ 3.00 pts · high 9.49% / low 6.49% Oct 9, 20269.49%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Autos - 66 months	-	-	9.74%	66 months
Details Credit Score: <610 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 9.74% ▲ 3.00 pts · high 9.74% / low 6.74% Oct 9, 20269.74%▲ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Autos - 72 months	-	-	10.24%	72 months
Details Credit Score: <610 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 10.24% ▲ 3.75 pts · high 10.24% / low 6.49% Oct 9, 202610.24%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Bay Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loans	6.24%	6.24%	Up to 48 months
Details Credit Score: 750+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Motorcycle Loans	6.24%	6.24%	66 months
Details Credit Score: 750+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Motorcycle Loans	6.49%	6.49%	72 months
Details Credit Score: 750+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Motorcycle Loans	6.49%	6.49%	84 months
Details Credit Score: 750+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Motorcycle Loans	6.74%	6.74%	Up to 48 months
Details Credit Score: 700-749 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Motorcycle Loans	6.74%	6.74%	66 months
Details Credit Score: 700-749 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Motorcycle Loans	6.99%	6.99%	72 months
Details Credit Score: 700-749 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Motorcycle Loans	6.99%	6.99%	84 months
Details Credit Score: 700-749 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Motorcycle Loans	7.49%	7.49%
Details Credit Score: 700-749 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Motorcycle Loans	7.74%	7.74%	Up to 48 months
Details Credit Score: 650-699 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Motorcycle Loans	7.74%	7.74%	66 months
Details Credit Score: 650-699 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Motorcycle Loans	7.99%	7.99%	72 months
Details Credit Score: 650-699 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Motorcycle Loans	7.99%	7.99%	84 months
Details Credit Score: 650-699 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Motorcycle Loans	8.49%	8.49%
Details Credit Score: 650-699 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Bay Federal Credit Union Credit Card Rates

Product	Rate	APR
Bay Cash Visa Classic	-	19.99%
Details Intro/promo APR: 17.99%; Intro rate expires: 12 months; Regular APR: 19.99% - 29.99% Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 17.74% → 19.99% ▲ 2.25 pts · high 19.99% / low 17.74% Oct 9, 202619.99%▲ from 17.99% Sep 21, 202617.99%▲ from 17.74% Sep 14, 202617.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Coastal Cash Visa Signature	-	19.99%
Details Intro/promo APR: 15.74%; Intro rate expires: 12 months; Regular APR: 19.99% - 29.99% Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 15.49% → 19.99% ▲ 4.50 pts · high 19.99% / low 15.49% Oct 9, 202619.99%▲ from 15.74% Sep 21, 202615.74%▲ from 15.49% Sep 14, 202615.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Visa Classic	-	19.99%
Details Intro/promo APR: 18.00%; Intro rate expires: 12 months; Regular APR: 19.99% - 29.99% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 18.00% → 19.99% ▲ 1.99 pts · high 19.99% / low 18.00% Oct 9, 202619.99%▲ from 18.00% Sep 14, 202618.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Bay Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	7.49%	24 months
Details As Low As; Minimum Loan Amount: $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Personal Loan	7.99%	48 months
Details As Low As; Minimum Loan Amount: $5,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Personal Loan	8.99%	60 months
Details As Low As; Minimum Loan Amount: $7,500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Coastal Cash Visa Signature	19.99%
Details Intro/promo APR: 15.74%; Intro rate expires: 12 months; Regular APR: 19.99% - 29.99% Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 15.49% → 19.99% ▲ 4.50 pts · high 19.99% / low 15.49% Oct 9, 202619.99%▲ from 15.74% Sep 21, 202615.74%▲ from 15.49% Sep 14, 202615.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Bay Federal Credit Union’s Texas Ratio rose from 0.86% in Q3 2023 to 1.88% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.9B	1.88%	5.0	A+
March 31, 2026	$1.9B	1.01%	5.0	A+
December 31, 2025	$1.9B	1.26%	5.0	A+
September 30, 2025	$1.8B	2.03%	5.0	A+
June 30, 2025	$1.8B	1.59%	5.0	A+
March 31, 2025	$1.8B	1.15%	5.0	A+
December 31, 2024	$1.7B	1.07%	5.0	A+
September 30, 2024	$1.7B	0.85%	5.0	A+
June 30, 2024	$1.6B	0.98%	5.0	A+
March 31, 2024	$1.6B	0.85%	5.0	A+
December 31, 2023	$1.6B	0.93%	5.0	A+
September 30, 2023	$1.6B	0.86%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Bay Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Bay Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Bay Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Bay Federal Credit Union

Website https://www.bayfed.com

Address 3333 Clares St, Capitola, CA 95010-2546

Phone 831-479-6000

Fax 831-479-6095

President Piret Harmon

CEO Carrie Birkhofer

Full-Time Employees 257

Part-Time Employees 3

Branch Locations 8

ATM Locations 8

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.88%

Return on Assets (ROA)

0.4317%

Return on Equity (ROE)

4.3810%

Non-Performing Loans Ratio (NPL)

0.31%

Total Assets

1,906,182,288

Total Amount of Shares and Deposits

1,700,020,916

Total Shares and Deposits < 1 Year

1,595,306,309

Total Shares and Deposits 1 3 Years

70,328,021

Total Shares and Deposits > 3 Years

34,386,586

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

139,481,290

Total Uninsured Shares and Deposits > $250K (F+J)

139,481,290

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,560,539,626

Total Interest Expense (Sum of items 6 8)

12,247,968

Share Certificates

7,921

Number of Accounts for Share Drafts

57,929

IRA KEOGH Accounts

2,601

Number of Accounts for Regular Shares

110,915

All other shares

Money Market Shares

17,051

Net Income (unless the amount is already included in Undivided Earnings)

8,228,558

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

189,939,549

Total Liabilities

1,730,706,179

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Bay Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Bay Federal Credit Union

How many branches does Bay Federal Credit Union operate?

Bay Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Bay Federal Credit Union?

Yes, to access services at Bay Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Bay Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bay Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Bay Federal Credit Union offer online and mobile banking?

Most modern institutions like Bay Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bayfed.com.

Current Bay Federal Credit Union Rates

12-Month CD3.30%
18-Month CD3.35%
24-Month CD3.41%
60-Month CD3.82%
Savings3.04%

Retrieved from our database of financial products. Rates subject to change.

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Bay Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Bay Federal Credit Union Texas Ratio

Bay Federal Credit Union Health Trend

Bay Federal Credit Union CD Rates

Bay Federal Credit Union Business CD Rates

Bay Federal Credit Union Savings Rates

Bay Federal Credit Union Business Savings Rates

Bay Federal Credit Union Money Market Rates

Bay Federal Credit Union Business Money Market Rates

Bay Federal Credit Union Checking Rates

Bay Federal Credit Union Auto Loan Rates

Bay Federal Credit Union RV, Boat and Powersport Loan Rates

Bay Federal Credit Union Credit Card Rates

Bay Federal Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Bay Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Bay Federal Credit Union

How many branches does Bay Federal Credit Union operate?

Is a member application needed to join Bay Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Bay Federal Credit Union offer online and mobile banking?

Current Bay Federal Credit Union Rates

Compare to Other Credit Unions